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In general apk file IKO has rating is 9.6 from 10. This is cumulative rating, most best apps on google play store have rating 8 from 10. Total reviews in google play store 398864. Total number of five star reviews received 352203. This app has been rated like bad by 9093 number of users. Estimated number of downloads range between 5,000,000+ downloads in google play store IKO located in category Finance, with tags and has been developed by PKO Bank Polski SA. You can visit their website http://iko.pkobp.pl or send iko@pkobp.pl to them. IKO can be installed on android devices with 4.0.3(Ice Cream Sandwich)+. We provide only original apk files. If any of materials on this site violates your rights, report us You could also download apk of Google and run it using android emulators such as big nox app player, bluestacks and koplayer. You could also download apk of IKO and run it on android emulators like bluestacks or koplayer. Versions of IKO apk available on our site: 3.127.37, 3.126.71, 3.126.59.1, 3.126.59, 3.125.47 and others. Last version of IKO is 3.127.37 was uploaded 2020/10/10
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Description of IKO (from google play)

Download the latest version of the free IKO application (electronic banking service) and use your bank account at PKO Bank Polski or Inteligo. The IKO app on your phone means fast and secure finances any day.

Activate the IKO app and take avail of the available functionalities:

BANK ACCOUNTS:
- account balance, history and details of all bank accounts,
- transfer to any domestic account number via Elixir or as an instant transfer,
- transfer based on data scanned from an invoice or from a QR code in an invoice,
- bank transfer by phone,
- bank transfer to Tax Office,
- foreign transfer,
- standing orders and a series of transfers,
- cash withdrawals from ATMs using the BLIK code,
- cash deposits (at selected ATMs) to your own or another IKO user’s bank account using the BLIK code,
- pre-paid phone top-ups,
- send a transfer request to another user,
- “piggy banks” to set money aside for any purpose,
- generate transfer confirmations,
- preview of unexecuted transactions (pending and canceled/rejected),
- applying for: a bank account (personal, savings and foreign currency*), an account overdraft*.

CARDS:
- history, details and images of your debit and credit cards,
- card management: activation, PIN assignment, change limits, temporary card freeze, restricting the card (with the option of getting a new one*), a change of card image,
- multi-currency card service*,
- transfer from a credit card,
- repay utilized credit card limit,
- credit card as a payments source for BLIK online & in-store payments.

LOANS:
- schedule and details of borrowings,
- apply for a loan*.

TERM DEPOSITS:
- details of term deposits,
- open and terminate term deposits.

INSURANCE:
- purchase travel and vehicle insurance*.

PAYMENTS:
- contactless payments by phone with NFC**,
- in store payments using the BLIK code/check,
- online payments with the BLIK code/check, also without copying the code in trusted online stores and browsers (Shopping without the BLIK code),
- create and share BLIK checks.

ADDITIONAL FUNCTIONALITIES:
- mobile authorization,
- public transport tickets,
- parking fee,
- "Join our cause": standing orders for charitable purposes,
- push notifications,
- currency exchange*,
- 4 languages: Polish, English, Russian, Ukrainian,
- IKO personalization: change the main screen view and product names (accounts, deposits, loans),
- save and restore personalized application settings after re-installing IKO,
- option to simultaneously activate IKO and iPKO using the first login password,
- fingerprint login (Android 6.0 and a fingerprint reader required),
- shortcut button to favorite functions on the home screen,
- receive Western Union transfers,
- create and share QR codes with transfer details,
- currency exchange rates,
- map of PKO Bank Polski branches, ATMs and stores supporting BLIK payments.

For more on IKO go to iko.pkobp.pl/iko_en
For more on IKO activation go to iko.pkobp.pl/iko_en/activation

* Not available for Inteligo customers.
** Contactless payments are available for phones with NFC and minimum Android 4.4 to individual customers with a PKO Bank Polski, including Inteligo, debit or credit card. Contactless payments are not available on the so-called “rooted" devices, i.e. those on which manufacturer's security has been removed.

Version history IKO
New in IKO 3.127.37
HIGHWAYS WITHOUT QUEUES TO THE TOLL GATES
The road toll will be debited automatically after exiting the highway
New in IKO 3.126.71
APPLICATION FOR A BUSINESS ACCOUNT AND COMPANY REGISTRATION IN THE CEIDG (CENTRAL REGISTER AND INFORMATION ECONOMIC ACTIVITY)
All in one application, without any visits at offices

FRIENDLY LOGIN TO THE BANK'S WEBSITE
Setting and changing friendly login to iPKO website

CHANGE OF A CREDIT CARD IN PKO BANK POLSKI FOR ANOTHER ONE AS A PART OF THE ASSIGNED LIMIT
New in IKO 3.126.59.1
REVAMPED IKO APPEARANCE
New menu layout, refreshed icons of all services and functions оr quicker access to push notifications.

VOICE ASSISTANT
Make a transfer, check the balance of your account, search the history and top-up your telephone. At the present moment, the Assistant only speaks Polish.

VIDEO-VERIFICATION: AN ACCOUNT WITH SELFIE
Open an account in PKO Bank Polski and confirm your identity with the photo from your ID card and the photo of your face.
New in IKO 3.126.59
REVAMPED IKO APPEARANCE
New menu layout, refreshed icons of all services and functions оr quicker access to push notifications.

VOICE ASSISTANT
Make a transfer, check the balance of your account, search the history and top-up your telephone. At the present moment, the Assistant only speaks Polish.

VIDEO-VERIFICATION: AN ACCOUNT WITH SELFIE
Open an account in PKO Bank Polski and confirm your identity with the photo from your ID card and the photo of your face.
New in IKO 3.125.47
Bug fixes and improvements
New in IKO 3.125.33
APPLICATION FOR A CARD TO ACCOUNT
Option to apply for a debit card or a sticker.
(Does not refer to Inteligo).
New in IKO 3.124.49
RESET THE PASSWORD TO IPKO WEBSITE AND TELEPHONE SERVICE

If you want to change the password or unblock access to iPKO or the telephone service, use the new function in the app settings.
(Does not refer to Inteligo).
New in IKO 3.124.37
Instruction to transfer salary (Menu -> Instructions and certificates)*
Recommend IKO app (Menu-> Recommend IKO)
Restoring mobile authorization (using the previous PIN)
Additional improvements for Xiaomi and Android 10 (transaction confirmation)

* Not available for Inteligo customers
New in IKO 3.123.47
Bug fixes & improvements
New in IKO 3.123.41
CHANGES IN TAX TRANSFER
From 01.01.2020 the existing tax office accounts will cease to operate nad taxpayers will use an individual tax accounts.
More details on www.podatki.gov.pl/mikrorachunek-podatkowy
New in IKO 3.122.34
- Split Payment in tax and ZUS transfers.
Function for companies that are VAT payers: in the selected types of transfers you will see an additional field with your VAT account.

- Biometric authentication* (Settings -> Fingerprint settings -> Biometric authentication)
Log in using specific device functions (depend on the version of the operating system and the phone model). Recommended for difficulties with in-display fingerprint sensors.

*Available from Android 9.0
New in IKO 3.122.26
Bug fixes & improvements
New in IKO 3.122.22
- Car insurance TPL, AC, accident, Car Assistance*
The coverage is the same for all 6 insurers available at the bank - you can easily compare offers
- Additional security measures associated with PSD2 directive:
History & notifications older than 90 days are only accessible in active applications
Masking of one-time passwords from authorization tools
- Minor bug fixes & improvements

* Not available for Inteligo customers.
New in IKO 3.119.54
- Change in the way of sending SMS in IKO activation process
- Minor bug fixes & improvements
New in IKO 3.119.43
-“Join our cause with IKO”: convenient standing orders for charitable purposes
- Notifications: a posssibility to hide it from the start screen and to secure it with your PIN
- Fingerprint login: hide/show on the start screen
- Minor bug fixes & improvements
New in IKO 3.118.56
- A redesign of the login screen
- Inbox accessible before logging in
- An application for a savings account
- Credit card as a payments source for BLIK online & in-store payments
New in IKO 3.117.20
- Changing debit card visual (Use context menu in debit card details to change card image)
- NFC payments bug fixes
- Improvments and customer's suggestions
New in IKO 3.117.16
- Push notifications about products' events. You can turn on push notifications in IKO settings (Menu > Settings > Push notifications)
- Minor bug fixes & improvements
New in IKO 3.116.10
- An application to open an account
- Restricting the card: now also for Inteligo customers
- Minor bug fixes & improvements
New in IKO 3.115.27
- Currency exchange*
- Multi-currency card service in the application*
- The information on the card fees
- Restricting the card with the option of getting a new one*
- Card activation

* Not available to Inteligo customers.
New in IKO 3.113.71
- Make faster funds transfer by scanning an invoice.
- Debit and credit card pictures in the app.
- Save and restore your settings after reinstalling the app.
- Redesign of inbox.
- New method of mobile contactless payments confirmation - card's PIN on POS terminal.
New in IKO 3.112.18
Thank you for using IKO app!

Every update of our app includes essential fixes, performance & stability improvements. Make sure that you are using the latest IKO version, to ensure flawless service.
New in IKO 3.112.6
- preparation for new ZUS scheme (since 1st Jan 2018 via „Bank transfer” function only)- crash fixes- minor improvements
New in IKO 3.111.20
- Incomplete transfers preview- Bug fixes & improvements
New in IKO 3.110.18
- Credit card transfer- Foreign transfer- Minor bug fixes & improvements
New in IKO 3.109.35
Bug fixes and small improvements.
New in IKO 3.109.29
- Buy a loan or open a saving account by tapping circled button in applicable "My Bank" section > "Loans"/"Accounts".- Small improvments in NFC payments with the IKO app.- Bug fixes reported by customers.
New in IKO 3.109.26
- Buy travel insurance and view your insurance list in "My Bank" section,- Minor bug fixes (eg. cases when the application kept loosing settings defined by the user).
New in IKO 3.108.20
- New loan process (for PKO Bank Polski retail customers).- Standing orders (creating, deleting, additional payments).- Multiple transfers.- Possibility of blocking the amount of future dated transfers.- New customers can set a password to the internet banking service during the IKO app activation.- Bug fixes.
New in IKO 3.107.35
- You may apply for OVERDRAFT LIMIT (use context menu on an account details).- You may apply for SAVING ACCOUNT (by tapping on an advertisement).- You will find redesigned DEPOSITS OFFER.- There are also small improvements and bug fixes.
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